Compare Bayard, IA Car Insurance Rates (2021)

Car insurance in Bayard, IA averages $250 a month. Bayard, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Bayard car insurance rates, compare quotes from the top car insurance companies in Bayard, IA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Bayard, IA after a DUI are $3,617/year
  • Average car insurance rates in Bayard, IA are $3,000/year
  • The cheapest car insurance company in Bayard is USAA

If you need to buy Bayard, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Bayard, IA is right here.

You’ll find Bayard car insurance rates, the cheapest Bayard, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Bayard, Iowa car insurance rates to Davenport car insurance rates, Sioux City car insurance rates, and Des Moines car insurance rates.

Ready to find affordable Bayard, IA car insurance today? Enter your ZIP code for fast, free Bayard car insurance quotes.

Cheapest Bayard, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bayard, IA car insurance rates? Every Bayard, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bayard, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,073 $1,992 $1,835 $1,869 $5,967 $6,716 $2,264 $2,334
American Family $1,972 $1,972 $1,765 $1,765 $5,277 $7,395 $1,972 $2,376
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,134 $2,321 $1,864 $2,263 $9,920 $11,166 $2,418 $2,674
Nationwide $1,889 $1,946 $1,678 $1,800 $4,257 $5,545 $2,128 $2,323
Progressive $1,774 $1,721 $1,463 $1,513 $4,124 $4,665 $2,136 $2,302
State Farm $1,498 $1,498 $1,309 $1,309 $3,962 $5,037 $1,681 $1,909
Travelers $2,405 $2,453 $2,343 $2,347 $10,718 $17,057 $2,504 $2,955
USAA $1,300 $1,319 $1,188 $1,218 $3,461 $3,687 $1,565 $1,732

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Minimum Car Insurance in Bayard, IA

Every driver must carry the minimum car insurance in Bayard, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Bayard, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Bayard, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bayard, IA. Compare credit history car insurance rates in Bayard from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bayard, Iowa

Insurance Company Poor Fair Good
Allstate $3,746 $2,975 $2,672
American Family $3,904 $2,870 $2,412
Farmers $2,880 $2,389 $2,262
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,213 $3,815 $3,007
Nationwide $3,286 $2,558 $2,244
Progressive $2,927 $2,345 $2,114
State Farm $3,241 $2,005 $1,581
Travelers $6,013 $5,136 $4,894
USAA $2,547 $1,745 $1,510

Cheapest Bayard, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bayard, IA to rates for a clean record with top companies.

Annual Bayard, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,662 $3,226 $3,661 $2,976
American Family $2,211 $3,235 $4,202 $2,599
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,759 $4,632 $4,742 $4,247
Nationwide $1,937 $2,804 $3,844 $2,199
Progressive $1,987 $3,222 $2,153 $2,488
State Farm $2,112 $2,438 $2,275 $2,275
Travelers $3,892 $5,197 $6,964 $5,338
USAA $1,478 $1,982 $2,578 $1,696

Cheapest Bayard, IA Car Insurance for Teen Drivers

Teen car insurance in Bayard, IA can be expensive. Take a look at rates from the top car insurance companies in Bayard for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bayard, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,967 $6,716
American Family $5,277 $7,395
Farmers $4,711 $5,019
GEICO $4,142 $3,866
Liberty Mutual $9,920 $11,166
Nationwide $4,257 $5,545
Progressive $4,124 $4,665
State Farm $3,962 $5,037
Travelers $10,718 $17,057
USAA $3,461 $3,687

Cheapest Bayard, IA Car Insurance for Seniors

Take a look at Bayard, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bayard, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,835 $1,869
American Family $1,765 $1,765
Farmers $1,383 $1,513
GEICO $1,620 $1,483
Liberty Mutual $1,864 $2,263
Nationwide $1,678 $1,800
Progressive $1,463 $1,513
State Farm $1,309 $1,309
Travelers $2,343 $2,347
USAA $1,188 $1,218

Cheapest Bayard, IA Car Insurance Rates After a DUI

A DUI in Bayard, IA increases car insurance rates. Compare Bayard, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bayard, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,661
American Family $4,202
Farmers $2,697
GEICO $3,058
Liberty Mutual $4,742
Nationwide $3,844
Progressive $2,153
State Farm $2,275
Travelers $6,964
USAA $2,578

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Cheapest Bayard, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bayard, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bayard, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,056 $3,206
American Family $3,026 $3,098
Farmers $2,510 $2,510
GEICO $2,195 $2,285
Liberty Mutual $4,345 $4,345
Nationwide $2,696 $2,696
Progressive $2,462 $2,462
State Farm $2,220 $2,330
Travelers $5,348 $5,348
USAA $1,863 $2,004

The Best Cheap Car Insurance Companies in Bayard, IA

Take a look at a side-by-side comparison of the top car insurance companies in Bayard, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bayard, Iowa

Insurance Company Average Annual Rates
Allstate $3,131
American Family $3,062
Farmers $2,510
GEICO $2,240
Liberty Mutual $4,345
Nationwide $2,696
Progressive $2,462
State Farm $2,275
Travelers $5,348
USAA $1,934

Category Winners: Cheapest Car Insurance in Bayard, Iowa

Find the cheapest car insurance companies in Bayard, IA for each category right here.

Best Annual Car Insurance Rates by Company in Bayard, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Bayard, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bayard car insurance rates. Find the cheapest Bayard, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bayard, Iowa

Insurance Company Low Medium High
Allstate $3,012 $3,136 $3,246
American Family $3,078 $3,232 $2,875
Farmers $2,401 $2,518 $2,611
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,184 $4,338 $4,514
Nationwide $2,832 $2,676 $2,580
Progressive $2,332 $2,470 $2,585
State Farm $2,169 $2,288 $2,369
Travelers $5,037 $5,428 $5,578
USAA $1,835 $1,940 $2,026

What affects car insurance rates in Bayard, Iowa?

What factors can have an impact on Bayard, IA car insurance? There are several reasons why Bayard car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bayard, Iowa.

Commute Time in Bayard

The more time you spend in your car the higher the risk of an accident. The average commute length in Bayard, IA is 23.0 minutes according to City-Data.

Compare Car Insurance Quotes in Bayard, IA

Ready to find affordable Bayard, Iowa car insurance today? Enter your ZIP code for fast, free Bayard, IA car insurance quotes.

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Average Monthly Car Insurance Rates by State